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Managed Loan Investment (MLI)

Earn returns on your idle cash by investing it with AMINA. AMINA uses that capital to provide loans to existing AMINA clients, allowing investors to earn returns of up to 4% p.a. in CHF, up to 6% p.a for EUR and up to 7% p.a. in USD.

As an investor, you are not engaging in lending yourself. AMINA manages every element of the loan to the borrower, including borrower checks, monitoring the value of the collateral and repayment of the loan itself.

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What is a Managed Loan Investment?

A Managed Loan Investment (MLI) allows you to earn returns on idle cash by investing with AMINA.

AMINA uses that capital to provide loans to existing AMINA clients. As an investor, you are not engaging in lending yourself. Instead, AMINA structures, manages, and monitors the loans throughout their lifecycle.

Loans are offered to existing AMINA clients and the borrower must provide AMINA with collateral worth more than the amount that is borrowed to protect AMINA against the risk of borrower default.

Collateral may consist of traditional assets, digital assets, or a combination of both.

Earn up to 4% p.a. in CHF, up to 6% p.a. for EUR and up to 7% p.a. in USD

Invest for 1 to 6 months

Invest from CHF 200k (EUR/USD equivalent)

Loans granted by AMINA are backed by collateral worth more than the loan amount

Receive quarterly interest payments

AMINA manages and monitors the loans throughout the investment term

How it works

  1. Step 1: AMINA structures the opportunity 

    AMINA identifies eligible borrowers, assesses their creditworthiness, defines loan terms, and ensures sufficient collateral is pledged in its favor before the loan is granted.

  2. Step 2: You allocate capital

    You choose how much capital to invest (minimum 200k) and transfer funds to AMINA. You receive confirmation and the key terms of your investment.

  3. Step 3: AMINA manages the loan

    AMINA acts as lender and collateral manager, continuously monitoring collateral levels, borrower obligations, and the overall health of the loan.

  4. Step 4: You receive returns

    You receive quarterly interest payments, and your invested capital is returned upon repayment of the loan to AMINA, subject to the agreed terms.

Indicative returns

Currency Indicative Annual Return*
USD Up to 7% p.a.
CHF Up to 4% p.a.
EUR Up to 6% p.a.

Valid as of [1 May, 2026]

*Returns are indicative and subject to change. Actual returns depend on market conditions, loan-specific factors, collateral composition, and investment tenor.

Why choose Managed Loan Investments

Attractive Returns

Potentially earn higher returns than traditional cash deposits, while AMINA arranges and manages collateral-backed loans.
Short-Term Commitment

With typical terms of 1 to 6 months, this offers a short-term way to put idle cash to work.
Risk-Managed Approach

AMINA only lends to existing clients and requires collateral worth more than the loan amount. Collateral may consist of traditional assets, digital assets, or a combination of both.
Operational Simplicity

AMINA manages every aspect of the lending lifecycle, including borrower assessment, collateral monitoring, administration, interest collection, and repayment management.

Frequently asked 
questions

The borrower is an existing AMINA client who has been assessed by AMINA and provides AMINA collateral worth more than the amount borrowed.

No. AMINA acts as lender and manages the relationship with borrowers. Investors gain exposure through the Managed Loan Investment structure.

Interest is paid quarterly.

The minimum investment amount is CHF 200k (EUR/USD equivalent), depending on the client’s preference.

MLI may be available in a range of currencies. Availability depends on underlying lending opportunities and borrower demand in each currency. Other currencies may be offered from time to time. Please speak to your Relationship Manager for current availability and further details.

Collateral may include traditional financial assets, digital assets, or a combination of both, and must exceed the amount borrowed.

Ready to put idle cash to work?

Earn competitive returns while AMINA manages the lending process from origination to repayment.

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Ready to put idle cash to work?

Notice for UK visitors

AMINA Bank AG (AMINA) is a Swiss bank, authorised and regulated by the Swiss Financial Market Supervisory Authority (FINMA). AMINA’s products and services are only licenced in Switzerland. They are not registered or approved outside of Switzerland. Your IP address indicates that you are attempting to access AMINA’s website from the UK. If you want to explore AMINA’s products and services that are available in the UK, you can do so by accessing AMINA’s UK specific website.

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